Personal loans in Fifty-Six, AR

Roughly 160 residents live in Fifty-Six, the 398th-largest community in Arkansas. The trend for Fifty-Six between 2020 and 2023 is upward by roughly 1.3%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A personal loan in Fifty-Six is priced from your credit file and income, not from the fact that the city holds 160 people. Consumer lending that reaches Fifty-Six's 160 residents is governed by Arkansas statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Fifty-Six loan. The closest larger place is Mountain View, AR about 10 miles away.

Fifty-Six by the numbers

Set out below is Fifty-Six's local context next to the state-level rules that reach every lender here.

How Arkansas law applies in Fifty-Six

Read the table as a lender's compliance picture for Fifty-Six: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorArkansas State Bank Department
Source says: "The Department is charged with regulating state-chartered commercial banks with main offices in Arkansas".		Arkansas State Bank Department
as of 2026-09-16
Maximum legal interest rate (usury cap)17% per annum for loans not made by or to governmental units or by federally insured depository institutions (Amendment 89, effective January 1, 2011)
Source says: "shall not exceed seventeen percent (17%) per annum".		Arkansas Legislature — Arkansas Constitution, Amendment 89, § 3 (proposed by H.J.R. 1004 of 2009)
as of 2026-09-16
Payday lending statusNot permitted — all storefront payday lending eliminated; the Attorney General has worked to eliminate all forms of payday lending since 2008
Source says: "the Attorney General's office has worked to eliminate all forms of payday lending in Arkansas"; "all storefront payday loan operations in Arkansas have been shut down".		Arkansas Attorney General — Consumer Protection Division
as of 2026-09-16

Inside a Fifty-Six personal loan

Fifty-Six is a small community of about 160 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Fifty-Six lender to disclose the APR and finance charge before you sign. Shortening the term on a Fifty-Six loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Fifty-Six

With about 77 residents per square mile, Fifty-Six is sparsely settled, and 59 larger Census places sit within 50 miles. Whether Fifty-Six has a local branch or not, a Arkansas-licensed lender can serve its 160 people online on the same terms. The nearest larger city, Mountain View, AR about 10 miles away.

Fifty-Six on the map

Inside Fifty-Six's boundaries lie about 2.1 square miles of land, with no significant water area recorded. With 160 residents, the land area yields roughly 77 people per square mile. Little Rock, the largest place in Arkansas, is about 86 miles from Fifty-Six. Counting outward 50 miles, 59 larger communities surround Fifty-Six. The 100-mile radius contains 233 larger places.

What to do before borrowing in Fifty-Six

Complete these steps first when you borrow in Fifty-Six (160 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Arkansas regulator's records to confirm the lender is licensed here.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

The process is identical across Arkansas; what changes is your credit file, not the fact that Fifty-Six holds 160 people.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Fifty-Six if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Fifty-Six is the same as anywhere in Arkansas.
What loan size can I expect in Fifty-Six?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Fifty-Six?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Fifty-Six cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related